1, there is misleading sales: insurance agents who purchase insurance through bank channels generally have less training than offline insurance agents, and there is a risk that insurance knowledge is not solid, sales are misleading, and income is exaggerated;
2. The insurance product structure is single: the products provided by the bancassurance channel are life insurance products with low degree of protection, mainly saving and investment, which are closely integrated with the banking business, and there is a phenomenon that the insurance products are not rich and relatively single;
3. Uncertainty of income of insurance products: bancassurance products belong to wealth management insurance, and part of dividend insurance is an uncertain interest to guarantee income, which is very risky;
4. The operation of sales qualification is not standardized: for the products with bancassurance products for more than one year, it is necessary to "double record" to avoid explaining the contract contents and exemption clauses during the sales process, and the customer is unaware of the double record operation;
5. There is a certain loss in surrender: the financial insurance of bancassurance products is a long-term guarantee, some of which are guaranteed for 5 years and some are as long as 20 years, and there is a certain loss in the middle of surrender;
6. There is a certain risk of loss in the product: the investment-linked insurance in the bancassurance product does not guarantee the principal or interest, and there is a certain risk of loss.